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Which Financing Option Is Right for You?
Common Non-QM programs
Non-QM (Non-Qualified Mortgage) loans are designed for borrowers who don’t fit traditional lending guidelines. Perfect for self-employed buyers, investors, or anyone with unique income sources. Options include bank statement loans, DSCR investor loans, ITIN loans, and foreign national programs. Great for buyers who need flexible approval options beyond standard Conventional or FHA loans. Ask about Non-QM loan options available in Florida today.
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DSCR Investor Loans
No tax returns. No W-2s.
We qualify based on the property’s rental income, not your job history.
Works well for: Real estate investors and business owners.
Bank Statement Loan
Self-employed? No problem.
We’ll use your last 12 to 24 months of business or personal bank statements to qualify.
Works well for: Entrepreneurs, freelancers and 1099 earners.
Asset-Based Loans
No Income/No Job? No Problem!
Use your savings, investments, or retirement funds to qualify.
Works well for: Retirees, high-net-worth clients, or anyone with strong assets but limited income.
ITIN Loan
An ITIN Loan helps non-U.S. citizens without a Social Security number buy a home in Florida. Borrowers can qualify using an Individual Taxpayer Identification Number (ITIN) and verifiable income such as W-2s, tax returns, or bank statements.
These programs make homeownership possible for hardworking families who file taxes and want to build roots in the community.
Learn more about ITIN home loan options today.
Foreign Investor Loan
A Foreign Investor Loan is ideal for non-U.S. residents looking to purchase property in Florida for investment or vacation purposes.
Qualification is based on global income and assets, with no U.S. credit or Social Security number required. These loans are perfect for international buyers seeking U.S. real estate opportunities.
Ask about current Foreign Investor loan programs and requirements.
Disclaimer: Loan eligibility and approval are subject to underwriting guidelines, program requirements, and credit approval. VA, FHA, and USDA loans are government-backed but not issued directly by the government. Not all applicants will qualify.